Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received multiple hard inquires from US BANK XX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX BANK AND XXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: My business several months ago started receiving large amounts of SPAM that is obviously the result of our PPP loan and discharge. The spam uses my business owner name and business name and offers " business loans '' using deceptive emails and directing to deceptive websites. Unsubscribe requests are not honored. I get 2-3 of these emails every day, and frequently from the same small group of companies that are likely spamming every single business that got a PPP loan XXXX The most recent email claims to be from a " XXXX XXXX XXXX '' which is the name of an actual bank that was merged into US Bank in XXXX, but which no longer exists. The address used is a XXXX mailbox and office-sharing company. I believe it is illegal of a non-bank offering loans to even use the word " bank '' in its name. Full email copied below : XXXX, I wanted to reach out and let you know that we are back to offering our term loan products due to the high demand from our current portfolio. In the past The XXXX XXXX had applied for a line of credit with one of our subsidiaries, so I ran a quick credit analysis and wanted to push out an offer in the amount of {$180.00}. The business loan is good thru XXXX XXXX and can be activated at any time. Since we offer a variety of business loans I would suggest you call one of our loan officers at ( XXXX ) XXXX to discuss the best structure for any upcoming projects. If you want to take a peak for all current available offers The XXXX XXXX would qualify for, click here on your custom portal. Should you decide to reply via email please state the dollar amount request so I can have the appropriate person reach back out. Sincerely, XXXX XXXX | Chief Credit Manager Phone : ( XXXX ) XXXX Email : XXXX If you no longer want to hear from us, click here to Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: - USBank issued premium travel XXXX XXXX card to me on XX/XX/23 - I have been unable to activate advertised " XXXX XXXX Select membership '' perk as of XX/XX/23 - I have unsuccessfully tried to make contact with customer service on XX/XX/23, XX/XX/23, and XX/XX/23. XXXX XXXX XXXX Credit Card Services, and Credit Card Service supervisors XXXX XXXX XXXX have been unable to activate advertised perk. - On XX/XX/23, a Credit Card Services supervisor told me the only way for me to escalate the situation would be to physically mail " Card member service office of the president '' and wait for a phone call, which is unacceptable given I have an upcoming trip and need the advertised perk
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/23, I made a payment to my US Bank credit card, which was due on XXXXThe payment cleared my bank account on XX/XX/23. At that time, I also canceled auto-pay for my US Bank credit card, so the payment would not pull from my bank account on XX/XX/23. On XX/XX/23, I received a text notification from my credit union that a large transaction had posted to my account, in the same amount as my credit card payment from XX/XX/23. I called US Bank to resolve the issue. At that time, I was told they would request to have the funds returned to me on XX/XX/23, and that it would take XXXX calendar days. The cited reason for the delay was that it would take XXXX days for the payment to clear and be received on their end. Once that was confirmed, they would return the payment to me. On XX/XX/23, I called US Bank again, because I still have not received the refund. I wanted to confirm that the refund request was processed on their end, and to obtain a time frame for when the funds would be returned to me. The first person I spoke with told me the refund request had been initiated, but that it would take 8 days for the funds to be returned to me. I was connected to a supervisor to request that the process be expedited. I was on the phone for a long time with the supervisor and the call was eventually disconnected. I called back, spoke to another representative, and was again connected with another supervisor. After being placed on hold for several minutes, he initially told me that there were " alternative solutions '' to my problem. He then said that the only solution was for me to wait 10-16 business days, citing that they are " a large financial institution '' and they " need to research it. '' When I asked for more information about what that means, he simply repeated himself. I asked to speak to another supervisor, or his supervisor. At that point, his tone became combative, and he told me that they may not take my call, and they would tell me the same thing. I waited on hold for another several minutes. Eventually, he told me there was something else I could do. If I could fax them proof the funds were taken from my account, they would " rush '' the refund request, and return the funds to me in 3-4 business days, or by XX/XX/23. If not, I would receive the funds back in XXXX business days, or by XX/XX/23. I am filing this complaint, because US Bank never should have debited my account for these funds in the first place. The secondary reason for this complaint, is that US Bank is intentionally delaying the return of my payment. The third reason for this complaint, is that every time I have called to speak to someone, I have gotten a different answer regarding the time frame for the return of my funds ( 3-8 calendar days, 8 calendar days, 10-16 business days ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I opened a new XXXX Account with US Bank through their website and funded it with {$25.00} through my debit card. On XX/XX/2023, I visited the US Bank Branch at XXXX XXXX to deposit three ( 3 ) Paid Family Leave XXXX XXXX checks from the XXXX XXXX Department directly with the Bank Teller. Each check was for an amount of {$3100.00} with the deposit from the checks totaling {$9400.00}. I also made a CASH DEPOSIT for {$640.00}, for which I have the receipt too, making the total of my deposits on that day {$10000.00}. The female banker who helped me mentioned that the checks could take anywhere from 1 to 5 business days to fully clear depending on how fast they could verify them with the government agency, and mentioned that {$220.00} were made available on that day, providing me paper receipts for each of the deposits I made that day, which I keep with myself in case they're needed as proof. On XX/XX/2023, I logged into my US Bank online account through their Mobile App on XXXX, and noticed that the three checks I had deposited the previous day were already cleared and ready to use, which I confirmed because I was able to do three transactions using my debit card on that day. On Thursday, XX/XX/2023, I visited the US Bank XXXX XXXX to get a cashier 's check for {$8500.00} to give as a down payment for the purchase of a car. The banker at the branch was not very helpful, because he didn't want to provide me with the cashier 's check I requested because he said he didn't feel confident enough that the funds from the check would clear, which was an ambiguous response since technically, the checks had already cleared because the funds were available on my account. I requested to speak with his manager and he reluctantly accepted. Her manager reviewed the case and wasn't able to help either because, as per her words, even if the funds from the checks I deposited were made available the day after I made the check deposits directly at the branch, the clearing of the funds was an error on the US Bank system ; so she made the decision to call a higher level manager on US Bank 's back office to review the case, and the person on the phone asked me to wait at least until Monday, XX/XX/2023 to make the withdrawal so they could make sure the funds from the checks were collected. I wasn't able to give the downpayment for the car I wanted to purchase that day, making all the hits to my credit score that occurred due to the credit applications worthless, and my experience with the bank very disappointing just three days in as a customer. After that my bank account stopped functioning properly. That same day ( XX/XX/2023 ) during the night, I tried to use my debit card to put gas on my car and the debit card was declined at the pump. I called US Bank 's customer support and they mentioned that my card was working fine. I kept trying to use it and the card was declined every time for at least 4 different times. I called US Bank 's customer support for a second time and, after a long time on hold, the banker told me there was a hold on my account put by the branch I had visited earlier, and that to remove it I would have to visit a US Bank Branch in person. The following day, Friday, XX/XX/2023, I visited the US Bank XXXX XXXX branch in person to request help from the bankers to review my account. The banker, XXXX, went above and beyond to help me, and he confirmed that there was a hold on my account, not by the branch, but by US Bank 's Back Office, and that there wasn't an ETA available for when the hold was going to be released. Even when I showed him deposit receipts and check stubs from the XXXX CA government agency, the hold was still on my account. Today is Monday, XX/XX/2023, and there's still a block on my US Bank Account, and I have no access to the {$9600.00} that I have deposited in there, which is affecting my day-to-day because part of those funds are used for my personal expenses like medical visits, groceries, etc. I called US Bank Customer Support to confirm, and they confirmed the hold, however, weren't allowed to provide me with neither information nor an ETA for the hold to be released.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I'm XXXX XXXX XXXX, I currently receive XXXX benefits through my XXXX XXXX Debit Card. On XX/XX/2023, I visited the US Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and withdrew {$900.00} from my XXXX XXXX Card, however as I was opening my purse and I reached to take the money from the ATM, the ATM took my money back because I was too slow with grabbing it. I spoke with the US Bank teller, and she informed me there's nothing they can do to get my money out of the ATM. I also spoke with my XXXX XXXX XXXX XXXX customer service department they said they will add a dispute, but I still do not see my {$900.00} credited back to my Debit Card. I would like to be sure that the US Bank is accountable for not assisting me and would like a return of my {$900.00} back to my XXXX XXXX XXXX XXXX. I need the funds to buy my groceries and pay my rent. I would appreciate any help you can provide me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, Ive had an issue with credit abuse concerning Elan Financial Services XXXX XXXX XXXX dating back to XX/XX/XXXX. Since I have not been able to get any resolution from either Elan Financial Services or XXXX XXXX, Im forced to write to XXXX XXXX XXXX XXXX. My issue is certainly not for a lack of trying to resolve my situation. Ive even had an in-person meeting with our XXXX XXXX Manager, XXXX XXXX XXXX XXXX To which of no avail of a resolution. For background, I've always paid what bills Ive owed on time with never any issues. To start from the beginning of this injustice on the behalf of Elan Financial Services XXXX XXXX XXXX dating back to XX/XX/XXXX. On that date I switched to my current credit card company, XXXX XXXX XXXX Services. Taking what balance and bills I had left due on my now previous credit card company, Elan Financial Services XXXX XXXX XXXX, to transfer a total amount of {$990.00} over from Elan, to XXXX. Further stopping any payments due including for the following month which would have been XX/XX/XXXX and so on to Elan Financial Services and XXXX XXXX. Following I made a call to get the reinsurance from an automated voice from Elan XXXX XXXX that I had no more payments due moving forward and with that it was all in the further hands of XXXX. Five months after my transfer to XXXX everything was going swimmingly with a credit core of XXXX. Only to check my credit score on XX/XX/XXXX through XXXX and XXXX using the XXXX XXXX app. To find that my score had dropped XXXX. Going from an impressive score of XXXX of never paying late, down to XXXX. Upon seeing this that night I immediately went on to find out what the issue was. Ive never had any problems paying either on time or my bills. The following day being XX/XX/XXXX I called one of my creditors, XXXX. Only then preceding to find out that Elan Financial Services had put a claim on my credit reports. On that same day after receiving nothing from Elan Financial Survives prior. I got a blank envelope with a letter stating to call an unknown XXXX ( XXXX ) Number from XXXX XXXX. Even after getting confirmation from both Elan Financial Services and XXXX XXXX from their automated system that every bill and balance that I owed was nothing more to them. Somehow there was an incorrect payment of {$27.00} from the following months bill that would have been due on XX/XX/XXXX dating back to XX/XX/XXXX. Within those five months from transferring over to XXXX. Elan Financial Services previous to this had not even sent me so much as letter, let alone a phone call or email to give any form of notice as to this payment of {$27.00} to their card member service. Upon finding out this out, not only was the amount not paid for from that following month. But also continuing late fees for said balance were added to make a total of {$120.00}. Without further hesitation on that day being XX/XX/XXXX I paid the balance of {$120.00} to Elan Financial Services. So to no longer have anything else due to their card member service. On XX/XX/XXXX I put in a dispute over to Elan Financial Services and XXXX XXXX for the incorrect billing of the the initial {$27.00} and the three late fees of another {$27.00}, {$29.00}, {$31.00}, and three minimum interest charge fees of {$2.00} each adding to the total amount of {$120.00}. I put in this dispute with the accompanying support of an employee of Elan Financial Services named XXXX. Who stated that it was indeed their error as she went on to apologize. She as well told me that I should write a letter of dispute to Elan Financial Services. Upon doing so I was told by Elan Financial Services and XXXX XXXX that was indeed in the right of not owning for all of those months due that they stated. As of that statement by them they gave me my money being the {$120.00} back in the from of a check ( to which I have proof of ) to right their wrongs of falsely charging me. On XX/XX/XXXX being my next credit report update. For a brief period of time on that day. The dispute that was made on my credit score from Elan Financial Services was fully and rightfully taken off. Only for some unknown reason sometime later that day to have another dispute from Elan Financial Services back on my credit report. Making me go down almost the same amount of points to the high 700s, to the low 600s. To my otter shock thinking this whole debacle was over and done with. I sent another letter to Elan Financial Services a day or two after in conferment as to why another dispute had been made by them. I then received a letter back from Elan Financial Services ( To which I proof of ) dating XX/XX/XXXX. On that letter it was stated that I did not call their automated service to see if I still owned anything to Elan Financial Services back on XX/XX/XXXX. As well as stating there was no bank error on their part despite what I was told by their representative, XXXX. But they originally only gave me back my money because, after admitting they were wrong, and I quote ; As a gesture of our appreciation for your business, we reversed all late payment fees and interest charges, and, on XX/XX/XXXX, you were issued a credit balance refund check in the amount of {$120.00}, per your request, as you had credit reporting for the account. To which on that letter it processed to state nothing more as a reason to why another dispute was put on my credit score and I have not gotten a clear cut answer still, even today. That dispute will now be on my credit report for the next five years even after they stated they were in the wrong of falsely changing me, giving me no insight that that amount was due, taking off the dispute, and giving my money back! A couple of months went by and in late summer of XXXX. I sat down with our XXXX XXXX XXXX Manager, XXXX XXXX XXXX. Who told me to get a copy of the check from Elan Financial Services. Only to get denied twice from Elan Financial Services as to get not only a copy of said check. But any proof that it exists at all. Thankfully I have a XXXX XXXX transactions and reversal statement that I kept for physical proof. I sit here now almost a full year later with no resolution to this unfair injustice on the behave of Elan Financial Services and XXXX XXXX. Through out the year I have spent time and energy sending multiple letters, making phone calls, and having in person meetings back and forth between Elan Financial Services, XXXX XXXX, and XXXX to only still come up empty handed. Thankfully, I have a full file of paper work, letters, dates, and proof of everything that has transpired in the past year. That I will be more than glad to show as proof if needed. I thank you for taking the time out of your busy day and schedule to read about my situation. As I hope you and or your organization can help me finally put this nightmare to rest and fully get this wrongfully accorded dispute from Elan Financial Services and XXXX XXXX off my credit report so it may rightfully go back to where it additionally was as this is fully effecting my credit in an unjust way that is holding me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My laptop showed me a couple of pop up screens that said someone was trying to steal my identity. I couldn't close them out so I called the toll free number on the screen to see if I could handle it. I was on the phone for hours trying to get this resolved. I came home and we were missing upwards of {$16000.00}. My wife was devastated. I'm not sure what to do now but my wife said to talk to you guys to see if anything can be done. The money is gone and she said we will not see it ever again. Please let me know if you can help. Thank you, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXX, 2023, I had a credit balance of {$1200.00} on my US Bank Credit Card ending in XXXX. On that same day, I requested US Bank to send me a check for the balance. On XXXX XXXX, 2023, I called US Bank customer service that I still had not received my check. They told me to wait 2 whole weeks for the check. Today is currently XXXX XXXX, 2023, two whole weeks since I requested the check and I still have not received it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a cc with the XXXX card under Elan. I have ALWAYS paid my payments on time. In XXXX, XXXX I had a few disputes, one with XXXX XXXX who tried to charge my card after I canceled the monthly membership, and one with XXXX. With that said, I called XXXX to cancel the card, Spoke with XXXX who was supposed to cancel the card, reissue a new card, and send out paperwork for the disputes. I never received the paperwork, nor did I receive the new cc even though I could validate the time frame in which I canceled the services with XXXX XXXX and provided the information to XXXX along with the dispute with XXXX. I had to call back the XXXX card and file another dispute with XXXX, which was cumbersome, but XXXX did fix the issue with XXXX, sent out a new card, which I never activated, and did pay off the dispute balance for XXXX in the amount of {$800.00}. While XXXX XXXX is good about waiving late fees they do not adjust interest and continues to bill for the interest. How is one responsible for interest based on reversals? Not logical and does not make sense since late fees were waived and payment was received in full. Due to the fact that I had a dispute with XXXX, interest should have been waived as it was on hold. Once I no longer contested payment, I paid the bill in full. Mind you, I was supposed to receive paper and electronic statements due to a move and I did not. I attempted to resolve the issue on XXXX, XX/XX/XXXX, and on XX/XX/XXXX, and the response I received is we have credited your account for late fees and some interest, but again if the account was in dispute and I did not receive statements, which are not applicable during disputes, then no interest and penalties apply. XXXX Elan is not waiving the fees and in one day I acquired XXXX dollars in interest. Again, I must stress the fact that if items were in dispute and XXXX Elan did not adhere to THEIR policy, how am I responsible for their fees? I am trying to close out the account as it is limited at best. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A